Silent Stackers

When I graduated college in 2014, one of my goals was simple: become a millionaire. I didn’t know exactly how I’d get there. I just knew I needed to save and invest a meaningful portion of my income over time. Thanks to recent market highs, I can now say I’ve reached that goal at 34. I didn’t think this was possible so early until a few years ago, when my income started rising and compounding really began to do the heavy lifting. I’ve only ever worked a W-2 job. I kept my expenses low, increased my income steadily, and invested the difference into my 401k and index funds. Along the way, I still lived my life. I traveled, spent money on experiences I value, and enjoyed the process without feeling deprived. Thirteen years later, here I am. I know this goes against my brand (of being a silent stacker) but I’m sharing this to show that financial freedom is achievable without living a boring life. With consistency, balance, and patience, it can happen sooner than you think.

@Budgetdog_ Definitely. Hard to be ok with enough when you’re able to have more.

The real winner is the person that hits financial freedom and then no longer chases money.

@kinginvestings Control your spending and you’ll control your finances.

You’re not broke. You’re just spending like someone who makes more than you.

@BrianFeroldi Different way to look at it but true.

Your portfolio is like a bar of soap. The more you fiddle with it, the smaller it becomes.

@Bitcoin_Teej I’ll take Fidelity.

You have to put your life savings in one brokerage. Where are you putting your money?

@CGInvesting10 Hold less in cash and invest more.

If you could go back to the first day you started investing what would you do?

@Iamcaddex @shani_cooks Nope. You have to have discipline and be able to manage your expenses.

Is working hard enough to succeed?

@SteveOnSpeed I think it shows the confidence you have in yourself and beliefs.

Social media is fun for me because I don't care whether people agree with me. I don't argue much. It's not my purpose in life to make sure other people believe as I do. What a giant waste of time that would be. ;)

Thanks! I’m not sure the actual dollar amount but if I had to guess it was about $1.5k per month into my 401k plus probably another $1k a month into an individual brokerage account. Returns pretty much match those of the S&P 500 as I’ve only ever invested in growth ETFs and ones that follow the S&P 500. The last five years I’ve probably invested closer to $4.5k a month as my income has grown. Stick with it, never stop dollar cost averaging, and never sell and you’ll be in the same place in no time!

@Silent_stackers Wow nice story man congrats. Very similar to mine started last year at 23 yrs old currently sitting ar roughly $40k invested. 2 questions I would love to ask you man. How much were your monthly contributions on those 13 years? What was your CAGR % return on those 13 years?🙏🏽🔥

When I graduated college in 2014, one of my goals was simple: become a millionaire. I didn’t know exactly how I’d get there. I just knew I needed to save and invest a meaningful portion of my income over time. Thanks to recent market highs, I can now say I’ve reached that goal at 34. I didn’t think this was possible so early until a few years ago, when my income started rising and compounding really began to do the heavy lifting. I’ve only ever worked a W-2 job. I kept my expenses low, increased my income steadily, and invested the difference into my 401k and index funds. Along the way, I still lived my life. I traveled, spent money on experiences I value, and enjoyed the process without feeling deprived. Thirteen years later, here I am. I know this goes against my brand (of being a silent stacker) but I’m sharing this to show that financial freedom is achievable without living a boring life. With consistency, balance, and patience, it can happen sooner than you think.

Here is a fun conspiracy theory. Do you think the elites created bitcoin after the financial crisis and made it cyclical so that every four years they buy low and sell high just to get filthy rich?

@Alleninvests Great advice!

Worst advice for young investors: “You’re young, take lots of risks”. That’s how you wreck your portfolio before it even compounds. Build with ETFs first. Take risks later

@The_Money_Buddy Smart because they have time on their side.

Someone who is 32 years old has: • $250k invested • $0 debt • $0 savings Everything is in the market. Smart or risky?

@drp825_ Stack up on index funds.

Market opens -8% tomorrow. What are you doing first? Buy / Hold / Sell

@RoaringHammy Nope, just keep buying and holding.

Is the recent stock market decline changing your retirement plan? 🤔

@TheAlphaThought Definitely agree.

Paying off your mortgage early is not always smart. If your rate is 3.5% and the market returns 8-10% historically, you're mathematically better off investing the extra cash. "Being debt-free feels amazing" is an emotion, not a strategy. Agree or disagree?

@TwoMindMoney @bitcoinmoodapp Good morning!

@bitcoinmoodapp Good morning!

GOOD MORNING LEGENDS! A GREAT SUNDAY IS AHEAD OF US! PERFECT TIME TO RELAX AND STACK $BTC. 🫡

@oye_samia Similar side effect happens when building real wealth.

SIDE EFFECT OF GOING TO THE GYM: YOU LOSE INTEREST IN PEOPLE WITH NO DISCIPLINE OR DIRECTION.

@Mtshub You don’t make progress without trying and making mistakes.

Better to jump and make a mistake Than to sit there too frightened to make a move

@KeepitPassive That’s the way to do it!

Tax refund came in last night 🙏 Old me: buy stuff New me: invest it

@drp825_ $VOO

@Silent_stackers Largest holding ticker?

Everyone says they’re “long-term”… until they’re down. How long is long-term to you?

@SparkingFIRENC I probably would too!

If my boss offered 5 additional weeks off for a 12% pay cut I would take it every single year